Homeowners Insurance Review
Why we recommend a review
As homeowners, our needs can change throughout the year. A periodic review of your policies helps reassess your needs and probably quicker than you think. In a single visit or conversation, your agent will make sure you are comfortable with your current limits, that you are knowledgeable about your coverage and that limits are meeting your needs.
Below are some ideas on things you might discuss:
- Does my coverage change if I rent out a part or the whole house on Airbnb, VRBO or similar?
- Do I have enough coverage for my newly finished basement or remodeled kitchen and bathroom?
- Do I need extended coverage for valuables?
- Are there discounts or new coverage for my newly replaced roof?
- If there is a crack and leak in my sewer line, am I covered?
- Does my policy provide enough coverage to rebuild my home, today?
- I’ve started a home-based business, does that change my coverage?
Above are great conversation starters with your agent. Changes in your household situation help our team better determine how to protect your needs, today.
Next, you’ll find some coverage options you might consider. Depending on your carrier, the age of your home and loss history, all or some of these options may be available to best protect your family.
Options to Consider
Protection against unexpected expenses caused by underground damage and buried utility lines such as for power lines, fiber optics, cable lines or piping: water, steam, sewer, drain and sprinklers.
Options that provide additional peace of mind by paying to help repair water damage caused by backed-up drains, sewers and broken sewer pumps. Some options can also help cover hidden water damage from leakage and seepage.
Roof & Siding Match
These options can cover the cost of replacing undamaged siding or roofing when it cannot be color matched after a loss.
A deductible is the amount you pay out of pocket for an insurance claim before home insurance applies. Evaluate your options.
Some carriers offer coverage that helps you avoid a rate incraase related to one loss every five years.
Excess Liability Protection
An umbrella insurance policy provides extra liability protection that goes beyond the limits of your existing homeowners, auto or landlord’s insurance.
How is your Roof Covered?
At Equity Insurance Group, we believe it is important to understand what to expect in the event of a covered loss. Renewals offer a great time to confirm your deductibles for different loss types, such as Wind/Hail or All Peril claims and the roof coverage you carry on your policy today. Depending on the carrier, roof age and condition, you may qualify for replacement coverage up to policy limits, or a Roof Systems Payment Schedule. We can help review the difference and what is the best fit for you.
Quality Makes a Difference
Quality coverage makes a difference. At Equity Insurance Group, we can help care for things that matter to you.
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